UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-12508 S&T BANCORP, INC. (Exact name of registrant as specified in its charter) Pennsylvania 25-1434426 (State or other jurisdiction of incorporation ...

Core Viewpoint - Income investors prioritize generating consistent cash flow from liquid investments, with dividends being a significant component of long-term returns [1][2]. Company Overview - S&T Bancorp (STBA), headquartered in Indiana, has experienced a price change of 9.61% this year and currently pays a dividend of $0.36 per share, resulting in a dividend yield of 3.34% [3]. - The company's annualized dividend of $1.44 has increased by 4.3% from the previous year, with an average annual increase of 5.08% over the last five years [4]. Dividend and Earnings Growth - S&T Bancorp's current payout ratio is 41%, indicating that it pays out 41% of its trailing 12-month earnings per share as dividends [4]. - The Zacks Consensus Estimate for the company's earnings in 2026 is projected at $3.66 per share, reflecting a year-over-year growth rate of 4.87% [5]. Investment Appeal - S&T Bancorp is considered an attractive dividend play and a compelling investment opportunity, holding a Zacks Rank of 2 (Buy) [6].

S&T BANK LAUNCHES BRANCH REFRESH INITIATIVE TO CREATE A MORE MODERN, PEOPLE-FORWARD BANKING EXPERIENCE [Accessibility Statement] Skip NavigationINDIANA, Pa., Feb. 12, 2026 /PRNewswire/ -- S&T Bank, the wholly owned subsidiary of S&T Bancorp, Inc. (NASDAQ, STBA), announces the launch of a branch refresh initiative designed to reimagine its physical locations with brighter, more open spaces and a modern feel that better supports relationship-driven, people-forward banking. The first refreshed branch will be t ...

Core Insights - S&T Bank has been recognized as one of America's Best Banks by Forbes for the third consecutive year, highlighting its consistent performance among large publicly-traded banks and thrifts [1] - The recognition reflects the bank's strategic discipline and the commitment of its employees to serve customers and support communities [1] - S&T Bank ranks 36th on Forbes' list, making it the highest-ranked bank headquartered in Pennsylvania [1] Company Overview - S&T Bancorp, Inc. is a bank holding company with total assets of $9.9 billion, headquartered in Indiana, Pennsylvania, and trades on NASDAQ under the symbol STBA [1] - The principal subsidiary, S&T Bank, was established in 1902 and operates in Pennsylvania and Ohio [1]

Company Overview - S&T Bancorp (STBA) is based in Indiana and operates in the Finance sector, with a year-to-date share price change of 12.15% [3] - The company currently pays a dividend of $0.36 per share, resulting in a dividend yield of 3.26%, which is higher than the Banks - Northeast industry's yield of 2.41% and the S&P 500's yield of 1.34% [3] Dividend Performance - The current annualized dividend of S&T Bancorp is $1.44, reflecting a 4.3% increase from the previous year [4] - Over the past five years, S&T Bancorp has increased its dividend four times year-over-year, achieving an average annual increase of 5.08% [4] - The company's current payout ratio is 41%, indicating that it pays out 41% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year, S&T Bancorp anticipates solid earnings growth, with the Zacks Consensus Estimate for 2026 projected at $3.66 per share, representing a year-over-year growth rate of 4.87% [5] Investment Considerations - S&T Bancorp is viewed as a compelling investment opportunity due to its attractive dividend yield and strong Zacks Rank of 2 (Buy) [6] - The company is positioned well compared to high-growth firms or tech start-ups, which typically do not provide dividends, making it an appealing option for income investors [6]

Investors might want to bet on S&T Bancorp (STBA) , as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The Zacks rating relies solely on a company's changing earnings picture. It tracks EPS estimates for the current and following years from the sell-side analysts covering the stock through a consensus measure -- the Zacks Consensus Estimate.The power of a cha ...

Core Insights - S&T Bank is expanding its presence in the Pittsburgh area by opening a new full-service branch and an expanded office location at One North Shore Center, reinforcing its commitment to serving customers and communities in the region [1][4] Branch and Office Details - The new location at One North Shore Center will include a full suite of banking services and expanded office space, replacing the previous location at 358 North Shore Drive, which lacked a branch and had limited office space [2] - The new office will span approximately 28,000 square feet and feature upgraded meeting areas, modern training spaces, and technology-enabled conference rooms, designed to enhance customer and employee engagement [4] Partnership and Development - S&T Bank is partnering with Elmhurst, a Pittsburgh-based real estate firm, to renovate One North Shore into a Class A office property, which will include modern amenities such as a shared tenant lounge and conference/training rooms [3][5] - The partnership aims to create a welcoming environment that supports both the bank's operations and the local community, contributing to the economic development of the area through job creation and personalized financial solutions [5] Company Background - S&T Bancorp, Inc. is a $9.9 billion bank holding company headquartered in Indiana, Pennsylvania, and operates primarily in Pennsylvania and Ohio [7] - The bank was established in 1902 and trades on the NASDAQ Global Select Market under the symbol STBA [7]

Core Insights - The company reported a net income of $34 million, equating to 89¢ per share, with a return on assets (ROA) of 1.37% and a net interest margin (NIM) of 3.99%, marking the best performance since 2023 [2][4] - Loan growth was just under 4.5% for the quarter, primarily driven by commercial banking, while customer deposit growth was at 2.9% [1][3] - The company announced a new $100 million share repurchase authorization, reflecting strong capital levels and the ability to pursue growth opportunities [1][5] Financial Performance - The company achieved a net income of $135 million for the year, with earnings per share of $3.49 and a net interest margin of 3.9% [4] - Noninterest income increased by $500,000 in Q4, with expectations for fees in 2026 to remain around $13 to $14 million per quarter [12][13] - Expenses were controlled, with a year-over-year increase of approximately 3%, leading to a projected quarterly run rate of about $58 million [13][36] Loan and Deposit Growth - Loan growth was primarily driven by commercial and industrial (C&I) loans, with C&I balances increasing by $53 million and commercial real estate (CRE) balances by $34 million [6][7] - Customer deposit growth was strong, particularly in the consumer space, with a focus on driving core deposit growth to fund loan growth [27][28] - The company anticipates mid-single-digit loan growth for 2026, supported by improved activity in C&I and CRE [7][11] Asset Quality - Asset quality was mixed, with net charge-offs at 18 basis points for the year and a reduction in criticized and classified loans by 50% over three years [3][10] - The allowance for credit losses (ACL) decreased from 1.23% to 1.15% quarter over quarter, reflecting successful problem loan resolutions [8][9] - The company expects asset quality in 2026 to perform similarly to 2025, with a focus on reducing non-performing loans (NPLs) [11][35] Capital Management - The tangible common equity (TCE) ratio decreased by 29 basis points due to share repurchases, but regulatory ratios remain strong with significant excess capital [13][14] - The company repurchased over 948,000 shares at an average price of $33.82, totaling $36.2 million [14] - The share repurchase program does not impede the company's ability to pursue mergers and acquisitions (M&A) opportunities [5][23] Market and Competitive Landscape - The company is focused on adding talent in the C&I and CRE sectors to enhance customer acquisition and support growth [19][52] - Competitive pressures on deposit rates have moderated, allowing for a more rational market environment [54][55] - The company is optimistic about its ability to grow deposits at a rate that matches projected loan growth [56]

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Financial Data and Key Metrics Changes - For the full year 2025, the company produced $3.49 per share, with net income just under $135 million and a net interest margin (NIM) of 3.9% [4] - In Q4, net income was $34 million, equating to $0.89 per share, slightly down from Q3, with a return on assets (ROA) of 1.37% [5] - The NIM rose to 3.99%, up six basis points from the previous quarter, marking the best performance since Q2 2023 [6] - Non-interest income increased by $500,000 in Q4, with expectations for fees in 2026 to remain around $13 million to $14 million per quarter [13] Business Line Data and Key Metrics Changes - Loan growth for Q4 was just under $100 million at 4.5%, primarily driven by commercial banking, with C&I and CRE portfolios growing by $53 million and $34 million, respectively [8] - Customer deposit growth was just under $60 million at 2.9%, with a strong deposit mix where demand deposits accounted for 27% of total balances [6] - The allowance for credit losses (ACL) decreased from 1.23% to 1.15% quarter over quarter, reflecting a reduction in criticized and classified loans by $30 million, or 13% [10] Market Data and Key Metrics Changes - The company anticipates mid-single digit loan growth for 2026, primarily from C&I and CRE, supported by increased activity from investments in team leadership and banker talent [9] - The company experienced a strong Q4 in customer deposit growth, particularly in the consumer space, despite some anomalous activity with large commercial depositors [36] Company Strategy and Development Direction - The company announced a new $100 million share repurchase authorization, indicating robust capital levels and the ability to consider M&A opportunities [7] - The focus remains on maintaining asset quality while pursuing growth in commercial banking and consumer home equity [9] - The company is committed to adding talent in C&I and CRE to accelerate growth, with a strong emphasis on deposit gathering and developing new relationships [22] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining asset quality in 2026, with expectations that results will not perform worse than in 2025 [52] - The overall state of the economy is improving, but management is cautious about predicting growth rates significantly higher than GDP [20] - The company is optimistic about its ability to respond to competitive pressures in the deposit market, aiming to grow deposits at a rate that matches loan growth [89] Other Important Information - The TCE ratio decreased by 29 basis points due to share repurchases, but regulatory ratios remain strong with significant excess capital [14] - The company is utilizing AI tools for BSA, AML compliance, and fraud protection, which have resulted in significant savings [67][69] Q&A Session Summary Question: What is holding back loan growth from ramping to mid to high single-digit pace? - Management indicated that it is not a demand issue but ensuring asset quality of new customers meets criteria to maintain lower levels of criticized and classified loans [19] Question: How focused is hiring on the C&I side? - Hiring is a top priority across C&I and CRE, with efforts to enhance deposit gathering and customer relationships [22] Question: What is the outlook on deposit growth and funding loan growth? - The company expects to fund loan growth internally through deposit growth, with a strong focus on core deposit growth [36] Question: Can you provide an update on M&A discussions? - Management confirmed active dialogue across geographies, with a focus on executing current strategies while exploring M&A opportunities [27] Question: What are the competitive factors on the deposit side? - Early Q4 saw pressure from competitors to retain deposits, but the market became more rational in the second half of the quarter [88]